The Best Pet Insurance in New York for 2025

Why it's the best: ASPCA had the highest raw score of all the pet insurance companies we evaluated, thanks to some of the most generous coverage in the industry. ASPCA’s accident and illness plan covers things that other insurers charge extra for or don’t cover at all, including:

• Vet exam fees.

• Prescription food and supplements.

• Behavioral issues.

• Alternative therapies.

• Microchipping.

Some pet insurers make you wait six months to a year for coverage of orthopedic conditions. But ASPCA has a 14-day waiting period after you buy your policy for all accident and illness claims.

Learn more with our ASPCA pet insurance review.

Why it's the best: Figo’s rates were among the cheapest for our sample pets living in New York City — and Costco members may be able to save an extra 15%. Figo’s plans cover dental illnesses, holistic treatments and hereditary conditions. However, coverage for vet exam fees costs extra.

You generally won’t have to wait long for Figo to reimburse you for your vet bills. The company says it processes most claims within three business days. Policyholders get access to Figo’s Pet Cloud mobile app. You can use it to store your pet’s medical records, file claims, meet other pet parents and reach out to vet professionals.

Learn more with our Figo pet insurance review.

Why it's the best: MetLife makes it easy to customize your plan for the right blend of coverage and price. You can choose from a wide range of deductibles and coverage limits. (Note that some options may be available only by phone.)

MetLife’s standard plan includes coverage for prescription food, dental illnesses and vet exam fees, all of which some companies charge extra to cover. If your pet stays healthy, your deductible may go down over time.

Learn more with our MetLife pet insurance review.

The best pet insurance in New York by age

Want more options? Check out all the pet insurers in New York that earned a 5-star NerdWallet rating.

Below are sample rates for 2-year-old mixed-breed dogs and cats in New York City. Each plan had a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

Older pets are generally more expensive to insure, so we also checked rates for 8-year-old dogs and cats in New York City. Here’s how our 5-star companies stack up for mixed-breed dogs and cats with the same coverage limits as above.

» MORE: The best pet insurance companies

Here are the cheapest insurers we found in New York, based on quotes for pets living in New York City. Unless otherwise stated, our sample pets were mixed-breed dogs and cats with a $250 deductible, $5,000 in annual coverage and an 80% reimbursement rate.

Your own prices may vary depending on where you live, the coverage you choose, and your pet’s age and breed.

» MORE: Is pet insurance worth it?

How to choose the best pet insurance

Look beyond price. Cost is important, but it shouldn’t be your only consideration. Say Plan A costs $10 more a month than Plan B, but it includes coverage for exam fees and alternative therapies. If you have to pay extra to get these types of coverage with Plan B — or they’re not available at all — you might find Plan A a better value.

Learn about the claims process. If one pet insurer generally processes claims within two days while another takes up to a month, you may want to go with the quicker one. That way you’re not waiting for weeks to get reimbursed. Even better, keep an eye out for pet insurers that can pay your vet directly.

Read reviews. NerdWallet has researched dozens of pet insurance companies so you don’t have to. Read our pet insurance reviews to see our star ratings and get coverage details.

» MORE: What does pet insurance cover? Read our complete guide

How to find more affordable pet insurance

Shop around. We recommend getting quotes from at least three different pet insurance companies to find the best price. To ensure a fair comparison, make sure you’re looking at plans with similar deductibles, reimbursement rates and annual limits.

Adjust your plan. Most pet insurance plans can be tailored to your needs and budget. To get a lower price, you can raise your deductible or choose a lower reimbursement rate. Just be prepared to pay more out of pocket at the vet.

You can also choose less coverage — for example, by selecting $5,000 of annual coverage instead of $10,000 or more. But if your pet gets seriously sick and racks up vet bills above that amount, you’ll have to pay the difference.

Ask about discounts. Some companies offer savings to select customers, such as members of the military or those who insure more than one pet.

How we review pet insurance

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, consumer experience and more to determine our star ratings.

In our evaluation, we:

Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong consumer experience. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

Dive deeper with our criteria for evaluating pet insurance companies.